# TIGHTWAD BANK
OSAGE CITY, KS · FDIC certificate 17366 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.9M | |
| Deposits | $2.4M | |
| Loans and leases | $2.4M | |
| Total equity | $514,000 | |
| Loans / deposits | 84.94% (p76 of band) | 70.43% |
| Liquid assets / assets | 29.06% (p38 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.68% (p87 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p16 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | -3.79% (p1 of band) | 0.80% |
| Net interest margin | 3.91% (p69 of band) | 3.57% |
| Efficiency ratio | 155.00% (p99 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 93% | |
| Construction % of loans | 1.56% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -62.9% | |
| Employees | 2 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | charge-offs p90 |  |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 6 | capital falling, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 6 | uninsured deposits leaving | capital falling |
| 2012-09 | 5 |  | uninsured deposits leaving |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2013-06 | 4 |  | uninsured deposits leaving |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 1991-11-27 [Tightwad bank hands over cash to robber - upi.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZ0xuM2JQNzRMUTNGQlBXTkFRNzVFbG81b1FyaVBpT2JHeVdlTEJ0dTlXU295TWlBSV9iUEVQakpZcUJNMjdRcmtfRVVvWlpDTUhGcVFKUXZYYnItOERFOXhKX2ZNcDRtb3gxYnRJSkE4emxRQ1RUdWJiOFBlMTU4d1JjT25Rcm9YWDV5Q0cweHY0WTRYaExiNkhn0gGfAUFVX3lxTFAtY3BITE9SZ3k5M2R0QTJBQjdxNVM1QzNkTDhGT1dRYVM3aC1iZGZ5X2VpMXVCUGQ2U3RkcGcySXRzS05ndUNTenF3OEtzbFlfTVlQanM3X0hMYXgyWUV4SmlxU1JHNmlZMVVfLTU2eVNOcGt4TFRtMm1JRUlQMUU3eUttMjdWZHhoZkxNT1pUa0pOdTZhV3BGUzFlV3JOWQ?oc=5) · upi.com
- 2025-03-31 [These are 7 ‘bizarrely’ named towns in Missouri, according to World Atlas - FOX 2](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZTFaNE5FNlBCNjVnNjFkZENHY3pUZEs5M09MUlpxVm43QjRia0Nvd2xmVllRZVRmWjdMNGFNNGR1Q3VPSm80N3FqblBQWHA0bEQzS2F5dVIwOXZrbGw2RGcwMjNVVjVhRGtnTUNUNFA3ZUtsNml3RkJwRklKQnJvdjMwaG4taF9FRFdrTmFERk5Gem0zRG5CcTFzUVhhMF9GUjBSaHZIY0XSAa4BQVVfeXFMT0Q4c2xMTW91ZzRPZFNBZG9odGtaT2t3akktMTRVT2NRQ19Ceml4OUU5N1NuMVRUMFEwS0hjQVo5R0xtRlR6bGhOM25zZU40a1lQaFUyam82SkQzOUZkM3h3QlBvbmw4UW02QW1WWDZSQThyNm5lcTdabzltSlE0ekdVU0NOcXlkWUFfaWo2dG5Dd2VKcWdFa3RFenpRVVZtZllhZlVuaFJIWHJWcXVR?oc=5) · FOX 2
- 2018-03-09 [Donald Harman Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZWhwdWlDbmozVEdoaThqQTZhLXNPOHQ3bVV6R1ZQWUttTUh1VFNkRGNGSFFhTGlIaUFxMURBbU4tUTFjbE45RWYwRHlFSVlaUS1VMnR5aXZKcTJFN1ZkU2RrMEg2ZGJUN1BUSkZBRGQySUt3QkpYM3dnUC10X1E5bHQwM0ZLUQ?oc=5) · Dignity Memorial
- 2025-03-30 [7 Bizarrely Named Towns In Missouri - WorldAtlas](https://news.google.com/rss/articles/CBMif0FVX3lxTE0wMWRSQkw2eTBIb1FXSWk1eDYzM0x2SEJiWmZNS0xMdzg4Z0NTck5oUnZZaW00VkVkY1dObHR1cnczZEMwRGNNcG5hWHl0ZHVoNmJNV1F4MkJrcTY3MXpfUm5uNE9aNEp4UDlZTDU4WUduY1FLZXJwc3pqTW81eGs?oc=5) · WorldAtlas
- 2015-05-05 [Where Is My Large Intestine? - HuffPost UK](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcTFpR1F5aWcwWFB2VVhlZnBiaGdMaVNoREJMSUxFVEdVYmEydl9OS1pVcWswdWRabGVCaG90X1ltZzNyWHFPdlJlYWQ2YWVneS1TNFRKNkpXWjJaaEdFVTc5R3dFNWMwdXNla1VOTlpjUU12dXVGdlloUGkxTnJobHJnTXJ3Rkt0R29HSlNweXNCQQ?oc=5) · HuffPost UK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17366 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "17366", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide